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My Investing Strategy for 2012 [ February 5th, 2012 ] | 195 views | Leave a Comment

Although the market outlook is uncertain due to the European debt crisis but I will also plan to make minimal stock investments. I will only invest my savings in high yield dividend stocks when the market plunges. I think property is the best hedge against inflation. Therefore, I will invest in a medium cost apartment soon. Besides, gold is another option to preserve our money and diversify our portfolio. It would be great if you can plan to allocate some funds for gold of 20g to 50g.

investing strategy

My recent strategy is to invest for income and capital preservation in view of the market volatility. For my unit trust investment, I will try to diversify by allocating one third of my portfolio into medium term aggressive fund. Meanwhile, for my stock portfolio, I will try to minimize my risk by investing in defensive counters which also provide dividends consistently.

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Leave a Comment | Posted in » Finance Tips

Good Mathematical Skill = Good Financial Problem Solver?

Does this make sense? Most people will not become engineers. Most people will only need basic math skills when they enter the workforce. When I was in school, they taught geometry, calculus, etc. However, personal finance and the math associated with personal finance were not taught.

I believe that the simple math is enough. Even if we cannot calculate the percentages, we can still manage our finances (calculator is our best friend). How come someone, who has $3000 net monthly income, can spend $4000 per month? Like we should not hope about our future income, we have to live based on what we have now. And I think clever people can calculate the difference between income and spending.

Test Your Mathematical Skills Here: ( Click on the image go and test your skills )

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February 10th, 2009 | Posted in » Finance Tips | 1 Comment | 1,725 views

Healthy Charity

The thing about being physically challenged is that you’re limited by whatever disability you might have. You can help these people lead normal and independent lives through your car donation that are providing relevant assistance to them.

Donate Car

During recession, what you can do? In USA, donating cars in goodwill has helped a lot of people who are in need of a vehicle. Besides, goodwill is an industry that you can receive a tax deduction.

Washington DC donate vehicle make vehicles donations more convenient by offering a whole range of services. Apart from offering to pick up your vehicle, they will also assist you with the paperwork so you can easily deduct your car’s fair market value from your income tax.

February 7th, 2009 | Posted in » Other | 1 Comment | 1,303 views

Malaysia Bank Fixed Deposit Rate

I felt very proud because I have a great amount of money in fixed deposit. This is because fixed deposit would be safer investments type but inflation rates running high, you may actually lose more value in your fixed deposit savings over time than what you actually receive back in interest. This is the main risk of investing in low interest rates investments like fixed deposit.

BSN

About 2 week ago, almost all bank in Malaysia lowered fixed deposit interest rate to 3% p.a. Are you affected by these interest rate changes? What are you planning to do? I have done some self-research and found that Bank Simpanan National is offering 3.6% p.a., which is the highest fixed deposit interest rate currently. I can see a lot of auntie & uncle go to put their hard earned money in this kind of bank during Chinese New Year.

But the thing that always makes people confused is the calculation work. To know more about this, you can go back to my previous article -> How To Calculate Bank FD Rate

February 6th, 2009 | Posted in » Bank & Investment | 12 Comments | 28,211 views

Make Money Without Good Page Rank?

Actually, now I only understand that you don’t need good Google Page Rank to make money with your blog. You can much rather make money at home than have good Page Rank, but of course, both at the same time is great!

Google Page Rank

Google penalizes blogs Page Rank who use TextLinkAds, sponsored review, pay per post, and some other proven money making program. As a blogger you have to decide what is most important to you. If you are blogging only to get Page Rank then you’d better stay away from those kinds of money makers. On the other hand, if you want to make money with your blog, then you should look into them. But first, you need to get traffic coming to your site because you can’t make money without having a good amount of traffic.

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February 3rd, 2009 | Posted in » Google, Make Money Online | 5 Comments | 3,938 views
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